We have developed close contacts with several of the main offshore mortgage lenders and private banks with offices based outside of the UK. They take a ‘blank sheet of paper’ approach to underwriting, treating each client as unique and thereby designing a mortgage specific to your individual needs. This often results in mortgages that are significantly better than those available on the wider market.

They are able to lend in Sterling as well as all the major currencies if you prefer to borrow in a foreign currency.

Through ‘back-to-back’ loans, it is possible to effectively borrow 100% of the mortgage amount, so that money does not have to be brought into the UK. This can be achieved by depositing cash, shares or other assets with offshore banks.

Offshore company loans can be arranged through various international jurisdictions, whether it’s through the Channel Islands, BVI, Bahamas, Luxembourg or any other location that is required. Most offshore lenders are happy to lend to British Overseas Territories and Crown Dependencies. Complex trust structures can also be catered for.

Offshore mortgages require a professional adviser who has experience in understanding the needs of clients like you. Knowledge of how the offshore mortgage lending community works, the type of documentation they are likely to ask for as well as having the tenacity to negotiate the very best rates on your behalf are key.

Many of our brokers dealing in offshore mortgages have been doing this since 1993. They have established relationships with lenders, solicitors and surveyors over the years which mean we can cut through the noise and obtain quick decisions which can be relied upon. This is essential in the high demand UK property market, and especially where we’re based in London.

Our brokers will guide you through the intricacies of the market, being with you to help negotiate both the property price and your financial terms, as well as recommending trusted partners such as Property Finders, Surveyors and Solicitors.

And it doesn’t stop there. Our team will be on hand to smooth the whole process through to exchange, completion and beyond.

An offshore mortgage is a mortgage for a UK based property however the money is lent to an offshore entity. This could be a company based in another country, foreign nationals or ‘non-domiciled’ residents.

An overseas mortgage however is a mortgage that has been applied for and accepted in another country for a property in the same country. For example, this could be a holiday home in Spain where the mortgage has come from a Spanish lender. If you’re looking to purchase a holiday home abroad for you and your relatives or a purchase a property for the short term rental market then an overseas mortgage is for you. Get in touch with one of our mortgage advisors who will be happy to answer any questions you have